You live abroad and want to send money to your relatives quickly and easily. Know more on How to send money abroad via M-pesa: everything you need to know about the service. Learn more about M-pesa’s mobile money, particularly its sending fees. Find all of the information you require about the service.
M-pesa presentation
M-pesa is a mobile money transfer and microfinance system developed by Safaricom and Vodacom, the two largest mobile phone operators in Kenya and Tanzania, and launched by Vodafone. M-pesa is used by over 5 million Tanzanians, making it the most dependable service in the country.
By 2010, M-pesa was the most successful mobile phone-based financial service in developing countries. In M-pesa Kenya, approximately 17 million accounts had been registered by 2012. For giving millions of people access to the “formal” financial system, the service has received praise. In societies that rely heavily on cash transactions, it has also contributed to a decrease in crime.
Since then, it has spread to Afghanistan, the DR Congo, South Africa, India, and Eastern Europe in 2014.
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Through a wide range of global partners, you can easily send or receive money instantly to or from your M-pesa wallet from more than 160 nations.
M-pesa sending charges
The amount of money transferred affects the M-Pesa sending fees. Whether or not a user of the service is registered is different.
Depending on the number of users and the amounts, transaction fees range from 66% to 6%:
- To 66% of the transaction value for a transfer to an unregistered user.
- To 30% of the transaction value for a transfer to a register user.
- The lowest transfer charge is 0,16% to a registered user for 70,000 KSHs.
- The cost to withdraw money from an Mpesa agent is a maximum of 20% of the transaction amount and 0,47% minimum.
On Safaricom’s website, you can view the Mpesa sending charges chart and all transfer fees online or in PDF format.
Here are some examples of M-pesa sending fees in Kenya in 2023:
M-PESA Tariffs
| Minimum | Maximum | Send To M-PESA | Send To Other Networks | Send To Unregistered | Withdraw at Agent |
| Ksh1 | Ksh49 | N/A | N/A | N/A | N/A |
| Ksh50 | Ksh100 | N/A | N/A | N/A | Ksh10 |
| Ksh101 | Ksh500 | Ksh6 | Ksh6 | Ksh45 | Ksh27 |
| Ksh501 | Ksh1000 | Ksh12 | Ksh12 | Ksh49 | Ksh28 |
| Ksh1,001 | Ksh1,500 | Ksh22 | Ksh22 | Ksh59 | Ksh28 |
| Ksh1,501 | Ksh2,500 | Ksh32 | Ksh32 | Ksh74 | Ksh28 |
| Ksh2,501 | Ksh3,500 | Ksh51 | Ksh51 | Ksh112 | Ksh50 |
| Ksh3,501 | Ksh5,000 | Ksh55 | Ksh55 | Ksh135 | Ksh67 |
| Ksh5,001 | Ksh7,500 | Ksh75 | Ksh75 | Ksh166 | Ksh84 |
| Ksh7,501 | Ksh10,000 | Ksh87 | Ksh87 | Ksh205 | Ksh112 |
| Ksh10,001 | Ksh15,000 | Ksh97 | Ksh97 | Ksh265 | Ksh162 |
| Ksh15,001 | Ksh20,000 | Ksh102 | Ksh102 | Ksh288 | Ksh180 |
| Ksh20,001 | Ksh35,000 | Ksh105 | Ksh105 | Ksh309 | Ksh191 |
| Ksh35,001 | Ksh50,000 | Ksh105 | Ksh105 | N/A | Ksh270 |
| Ksh50,001 | Ksh150,000 | Ksh105 | Ksh105 | N/A | Ksh300 |
